**Leek United Building Society: **
Fixed till 31-08-22
Rate
**
2.55%
**

**For 63 months, then SVR for 19 years and 9 months **
currently 5.19%
Set-up Fees:
**£1,200**

Monthly Payment
**£676 For 63 months
**
Then £849 for 19 years and 9 months

MSE Total Cost **£8,340
**

for year 1
**
This product is available directly from Leek United Building Society or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£100

Product Fee:£895

Valuation fee:£185

Other Fees: £20

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (5% until 31-08-18, 4% until 31-08-19, 3% until 31-08-20, 2% until 31-08-21, 1% until 31-08-22)

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV90%

Minimum Loan£25,000

Maximum Loan£600,000

The total amount payable is £244,971 and the overall cost for comparison is

**4.2%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed til 30-06-22
Rate
**
2.74%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.69%
Set-up Fees:
**£952**

Monthly Payment
**£691 For 61 months
**
Then £752 for 19 years and 11 months

MSE Total Cost **£8,480
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£173

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 30-06-18, 4% until 30-06-19, 3% until 30-06-20, 2% until 30-06-21, 1% until 30-06-22

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £222,722 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed til 30-06-22
Rate
**
2.74%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.69%
Set-up Fees:
**£1,202**

Monthly Payment
**£691 For 61 months
**
Then £752 for 19 years and 11 months

MSE Total Cost **£8,520
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£173

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 30-06-18, 4% until 30-06-19, 3% until 30-06-20, 2% until 30-06-21, 1% until 30-06-22

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £222,972 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**First Direct: **
DIRECT 5 yr Fixed
Rate
**
2.74%
**

**For 60 months, then SVR for 20 years**
currently 3.69%
Set-up Fees:
**£1,450**

Monthly Payment
**£691 For 60 months
**
Then £752 for 20 years

MSE Total Cost **£8,580
**

for year 1
**
This product is only available from First Direct How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£1,450

Product Fee:£0

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£149, plus (3% in year 1, 2% in years 2-5)

OTHER PRODUCT INFO

Exit fee:£149

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £223,486 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Metro Bank - England & Wales only: **
5 yr Fixed
Rate
**
2.74%
**

**For 60 months, then SVR for 20 years**
currently 3.75%
Set-up Fees:
**£1,234**

Monthly Payment
**£691 For 60 months
**
Then £757 for 20 years

MSE Total Cost **£8,540
**

for year 1
**
This product is available directly from Metro Bank - England & Wales only or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£200

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£50, plus (5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, 1% in year 5)

OTHER PRODUCT INFO

Exit fee:£50

Maximum LTV90%

Minimum Loan£50,000

Maximum Loan£500,000

The total amount payable is £224,328 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Nottingham : **
Fixed till 01-09-22
Rate
**
2.79%
**

**For 63 months, then SVR for 19 years and 9 months **
currently 5.49%
Set-up Fees:
**£999**

Monthly Payment
**£695 For 63 months
**
Then £875 for 19 years and 9 months

MSE Total Cost **£8,520
**

for year 1
**
This product is available directly from Nottingham or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£199

Product Fee:£800

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£140, plus (6 months Interest until 01-09-22). Interest at 2.79%

OTHER PRODUCT INFO

Exit fee:£140

Maximum LTV90%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £252,208 and the overall cost for comparison is

**4.5%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-10-22
Rate
**
2.79%
**

**For 65 months, then SVR for 19 years and 7 months **
currently 3.74%
Set-up Fees:
**£1,034**

Monthly Payment
**£695 For 65 months
**
Then £755 for 19 years and 7 months

MSE Total Cost **£8,520
**

for year 1
**
This product is available directly from Barclays or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-10-22) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV90%

Minimum Loan£5,000

Maximum Loan£500,000

The total amount payable is £223,620 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-10-22
Rate
**
2.79%
**

**For 65 months, then SVR for 19 years and 7 months **
currently 3.74%
Set-up Fees:
**£1,034**

Monthly Payment
**£695 For 65 months
**
Then £755 for 19 years and 7 months

MSE Total Cost **£8,520
**

for year 1
**
This product is available directly from Barclays or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-10-22) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV90%

Minimum Loan£5,000

Maximum Loan£500,000

The total amount payable is £223,620 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Ipswich: **
Fixed till 31-08-22
Rate
**
2.79%
**

**For 63 months, then SVR for 19 years and 9 months **
currently 5.24%
Set-up Fees:
**£1,034**

Monthly Payment
**£695 For 63 months
**
Then £857 for 19 years and 9 months

MSE Total Cost **£8,530
**

for year 1
**
This product is available directly from Ipswich or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£199

Product Fee:£800

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£95, plus (5% until 31-05-22)

OTHER PRODUCT INFO

Exit fee:£95

Maximum LTV90%

Minimum Loan£25,000

Maximum Loan£350,000

The total amount payable is £248,010 and the overall cost for comparison is

**4.3%** APRC.

What does this mean?

**Hinckley + Rugby Building Society: **
5 yr Fixed
Rate
**
2.79%
**

**For 60 months, then SVR for 20 years**
currently 5.64%
Set-up Fees:
**£999**

Monthly Payment
**£695 For 60 months
**
Then £888 for 20 years

MSE Total Cost **£8,530
**

for year 1
**
This product is available directly from Hinckley + Rugby Building Society or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£199

Product Fee:£800

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£150, plus (5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, 1% in year 5)

OTHER PRODUCT INFO

Exit fee:£150

Maximum LTV90%

Minimum Loan£75,000

Maximum Loan£1,000,000

The total amount payable is £255,877 and the overall cost for comparison is

**4.6%** APRC.

What does this mean?

##### And remember, as the old phrase goes... Your home may be repossessed if you do not keep up repayments on your mortgage.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Calculations are rounded to the nearest £10

Mortgage data is provided by MortgageBrain, which primarily provide data and technology solutions to mortgage brokers.